Manage Clearscore

How to cancel your ClearScore account in nigeria and protect your rights

What ClearScore is and why you might want to cancel

ClearScore is a financial platform that gives you free access to your credit score and credit report in Nigeria. The service shows you how lenders see your financial history, explains what affects your credit profile, and offers optional paid protection plans through its "Protect" subscription area. You get the core credit monitoring features at no cost, but ClearScore also promotes additional identity protection and credit monitoring add-ons that require separate payment.

You may be considering cancellation because you've decided the paid protection features don't match your needs, you've found a competitor you prefer, or you simply want to stop recurring charges hitting your account. Whatever your reason, Stopee is here to walk you through every step of the cancellation process and make sure you understand your rights as a Nigerian consumer.

Who uses ClearScore and when cancellation makes sense

ClearScore works well for people who want a straightforward, free view of their credit information and basic monitoring tools. If you're actively rebuilding your credit profile or tracking changes to your score, the free tier delivers real value. However, the paid "Protect" plans are entirely optional and billed separately from your core account.

Cancellation makes sense if you've upgraded to a paid plan and no longer need the extra protection features, if you're paying for features you don't actively use, or if you've switched to another credit monitoring service. The good news: cancelling a paid subscription does not delete your free ClearScore account, so you can keep monitoring your credit score at no cost even after you stop paying.

ClearScore pricing and subscription plans

Understanding what you're paying for is the first step toward making a confident cancellation decision.

Pricing breakdown for nigerian users

ClearScore's pricing structure in Nigeria separates the free tier from optional paid add-ons. The free account gives you unlimited access to your credit score, detailed credit report, and basic credit monitoring tools at no charge. Paid protection plans (accessed via the "Protect" section) vary in price and billing frequency depending on promotional offers and the specific tier you select.

Because ClearScore's exact NGN pricing for 2024-2025 is not publicly listed in centralized sources, you should check your ClearScore app or contact their support team directly to confirm what you're currently being charged and what each plan includes.

When to review your ClearScore charges

Log into your ClearScore app and visit the "Protect" section to see exactly which paid subscriptions are active on your account. Check your bank or mobile money statements for recurring charges from ClearScore to confirm your billing cycle and amount. Many Nigerian users discover they're paying for plans they forgot they activated during a promotional trial, so this review is crucial before you decide whether to cancel.

Your consumer rights in nigeria and when to use them

Nigeria's Federal Competition and Consumer Protection Act (FCCPA) and guidelines from the Federal Competition and Consumer Protection Commission (FCCPC) protect you as a consumer, even when dealing with international financial platforms like ClearScore.

Key rights that apply to your ClearScore subscription

You have the right to clear information about what you're paying for and transparent billing. ClearScore must not charge you without your informed consent, and if you cancel before the end of your billing period, you have grounds to dispute unauthorized continued charges. You also have the right to lodge a complaint with the FCCPC if ClearScore fails to respond to your cancellation request or continues to bill you after you've asked them to stop.

Additionally, if a payment was taken from your account in error-for example, if you were charged twice in one month or charged after you cancelled-Nigerian consumer law gives you the right to pursue a refund. Stopee recommends documenting every cancellation request you make (via email, in-app, or post) because proof of your request is your strongest lever if a dispute arises later.

Escalation pathway if ClearScore refuses to cooperate

If ClearScore does not acknowledge your cancellation request within 7 working days, does not process your cancellation, or continues charging you after you've cancelled, you can file a formal complaint with the Federal Competition and Consumer Protection Commission. The FCCPC operates a consumer redress mechanism and investigates complaints against companies that violate consumer rights. Contact the FCCPC through their official website or visit their office in Abuja to escalate if ClearScore ignores your requests.

Your bank or mobile money provider can also help. If ClearScore continues to charge you after cancellation, ask your financial institution to initiate a chargeback investigation on your behalf. This places pressure on ClearScore to resolve the dispute or lose access to payment processing.

How to cancel your ClearScore account step by step

Stopping your paid ClearScore subscription is straightforward when you follow the correct method for your situation.

Cancel using the ClearScore mobile app (fastest method)

The in-app cancellation method is the quickest way to stop your paid subscription and generates an instant digital confirmation you can save.

1. Open the ClearScore app on your phone and sign in to your account using your registered email and password.
   • If you've forgotten your password, use the "Forgot password" link on the login screen and reset via email before proceeding.
2. Tap on "My Account" or the account icon (usually at the bottom or top right of the screen).
   • Look for sections labelled "Settings," "Subscriptions," or "Billing"-these differ slightly depending on app updates.
3. Navigate to the "Protect" section or "Active subscriptions."
   • You'll see a list of any paid plans currently attached to your account.
4. Select the paid subscription you want to cancel (for example, "Protect" or "Protect Plus").
   • Pro tip: If you have multiple paid add-ons, you'll need to cancel each one separately-don't assume cancelling one cancels all.
5. Tap "Cancel subscription" or "End protection" and follow the on-screen prompts.
   • ClearScore may ask why you're cancelling-you can skip this question or provide feedback. Either way, it does not affect your cancellation.
   • The app may offer you a discounted rate to stay-only accept if you genuinely want to keep the subscription; if you don't, select "No, cancel anyway."
6. Confirm your cancellation when prompted by the app.
   • Read the confirmation message carefully to understand your end date (you usually keep access until the end of your current billing cycle).
7. Screenshot or save the confirmation page, and check your email for a confirmation message from ClearScore.
   • Pro tip: Forward this email to yourself with the date noted, or print the confirmation. You'll need proof if any billing disputes arise later.

Cancel via email if app cancellation fails

Email is your next option if the app doesn't let you cancel, if you encounter technical errors, or if you want a documented paper trail.

1. Compose an email to help@clearscore.com with the subject line: "Subscription cancellation request."
   • Write in clear, simple English or Pidgin English-ClearScore's support team responds to both.
2. In the email body, include:
   • Your full name as registered on your ClearScore account.
   • Your email address linked to ClearScore.
   • Your phone number (if on file).
   • The name of the paid plan you're cancelling (e.g., "Protect" or "Protect Plus").
   • A clear statement: "I want to cancel my subscription effective immediately."
   • The date you're sending the email.
3. Send the email from the same email address registered to your ClearScore account (if possible).
   • This helps ClearScore verify your identity and process your request faster.
4. Check your inbox and spam folder for a response within 5-7 working days.
   • Warning: If you don't receive a response within a week, send a follow-up email or use the alternative methods below. ClearScore is sometimes slow to reply during high-volume periods.
5. Save the email you sent and any response from ClearScore as proof of your cancellation request.
   • Screenshot the timestamp on your sent email as additional evidence.

Cancel by post (backup method)

If app and email methods don't work or you prefer a formal written request, you can send a signed letter to ClearScore's postal address. This method is slower but creates an undeniable paper record.

1. Write a cancellation letter on plain paper or official letterhead, keeping the tone professional and direct.
   • Include your name, address, phone number, email, and ClearScore account email.
   • State clearly: "I request immediate cancellation of my ClearScore Protect [or relevant plan name] subscription."
   • Include the date and sign the letter in ink.
2. Make a copy of your letter for your records.
   • Note the date you're sending it and photograph or photocopy the letter before posting.
3. Send the letter by registered post or courier to ensure delivery proof:
   • Request a delivery receipt so you have evidence of when ClearScore received your cancellation letter.
4. Track your post and retain the receipt number.
   • Wait 10-14 working days for ClearScore to acknowledge your letter and process your cancellation.

What happens to your account after you cancel

Understanding what changes when you cancel helps you avoid surprises and plan your next steps.

Access and billing after cancellation

When you cancel a paid ClearScore subscription, you retain full access to the paid features until your current billing cycle ends. For example, if you subscribed to "Protect" on a monthly plan that renews on the 15th of each month and you cancel on the 5th, you keep all Protect features active until the 14th. After that date, your access to paid features stops automatically, but your free ClearScore account and credit score remain available indefinitely.

Pro tip: Don't cancel immediately before a planned billing renewal if you want to use the service up until that date-instead, cancel a few days after the renewal, so you've already paid and you're starting a fresh billing cycle with protection intact until the next renewal.

No cancellation fees apply under ClearScore's standard terms. Stopee has reviewed their published policy, and there are no hidden charges or early termination costs for ending your paid subscription.

Your data and account status post-cancellation

Your ClearScore account itself is not deleted when you cancel a paid subscription. Your credit data, saved reports, and monitoring history remain accessible, and you can log in anytime to view your credit score for free. If you ever want to reactivate a paid plan in future, your account is ready to go-there's no re-signup friction.

If you want your account data deleted entirely, that's a separate request. Contact ClearScore's support team directly and ask about their data deletion policy. They're required to honor deletion requests under data protection laws, but deletion and paid subscription cancellation are two different actions.

Refund policy and when you can claim money back

Refunds are possible in specific situations, so review this section carefully.

Standard refund rules for ClearScore

ClearScore's published policy states that payments for partial subscription periods are generally non-refundable. This means if you cancel mid-cycle, you won't get back the unused portion of your subscription. However, this rule has important exceptions, and Stopee believes you should be aware of them.

There is no automatic 14-day cooling-off period published in ClearScore's publicly available terms for Nigeria, unlike some consumer-friendly services. However, this doesn't mean you have zero rights-Nigerian consumer law may override their terms in certain situations.

When you can claim a refund

You have grounds for a refund if:

• A charge was taken from your account without your authorization or consent (for example, you never signed up for a paid plan but were charged anyway).
• You were charged twice for the same subscription in a single billing period (a billing error).
• You were charged after you successfully cancelled, meaning ClearScore failed to honor your cancellation request.
• A promotional trial period ended and ClearScore auto-converted you to a paid plan without clear consent or notification.
• ClearScore breached its service level or failed to deliver the promised features for an extended period (for example, the protection features were down for weeks with no compensation).

Pro tip: If any of these apply to you, contact ClearScore support immediately with evidence (screenshots of charges, copies of your cancellation request email, statements from your bank). Most legitimate companies will issue a refund if you can prove an error. If ClearScore refuses, escalate to the FCCPC or ask your bank to investigate a chargeback.

How to request a refund from ClearScore

Send an email to help@clearscore.com with the subject "Refund request" and include your account details, the specific charge(s) you're disputing, the date they were taken, and a clear explanation of why you believe you're entitled to a refund. Attach screenshots of your bank statement or mobile money app showing the transaction. Allow 7-10 working days for a response.

If ClearScore denies your refund and you believe their decision violates Nigerian consumer law, file a complaint with the Federal Competition and Consumer Protection Commission. Include your email exchange with ClearScore and your bank statements as supporting evidence.

Common mistakes people make when cancelling ClearScore

Cancelling a subscription can feel stressful, especially if you've had billing issues before. Here are the pitfalls Stopee sees most often so you can avoid them.

Mistake 1: assuming you can cancel in your account settings alone

Many Nigerian users look for a "Cancel subscription" button in their main Account Settings and don't find one. The cancellation option is buried in the "Protect" section specifically, not in general settings. If you search in the wrong part of the app, you might think cancellation is impossible and give up. Always navigate directly to "Protect" or "Active subscriptions"-that's where the cancellation button actually lives.

Mistake 2: not saving proof of cancellation

You cancel, see a confirmation message, and close the app-then three weeks later another charge appears. Without a screenshot or email confirmation saved to your phone or computer, you have no proof you requested cancellation, and ClearScore can claim they never received it. Always take a screenshot of the in-app confirmation, and always save the confirmation email ClearScore sends. Create a folder on your phone or in your email called "Cancellation receipts" and file everything there.

Mistake 3: cancelling days before a renewal and assuming you'll save money

This is tempting but often backfires. If you cancel on the 14th and your renewal is the 15th, ClearScore will likely process that next charge first, then register your cancellation. You'll be charged for another month and then told your subscription is cancelled effective next month. Instead, cancel within a few days after a renewal charge posts-that way you're in the middle of a fresh billing cycle and can enjoy the full month.

Mistake 4: only cancelling one add-on when you have multiple

Some users sign up for "Protect," then add "Protect Plus," then layer on a third-party identity protection add-on. When they cancel, they only see one option to cancel and assume they've cancelled everything. They then get three separate charges the next month because they only cancelled one plan. Log in and check your "Protect" section carefully-list every active paid plan and cancel each one individually.

Mistake 5: not checking if you're eligible for a refund

Many people assume "no refunds" is a hard rule and don't even ask. In reality, Nigerian consumer law and fair billing practices may entitle you to a partial or full refund in certain situations-for example, if you were auto-charged after cancellation, or charged for a trial that should have been free. Never assume you're stuck with a charge. Document the issue, contact ClearScore, and request a refund. Stopee has seen companies reverse charges when customers push back respectfully with evidence.

A checklist before and after you cancel

Use this checklist to stay organized throughout your cancellation process.

Before you cancel

• Log into your ClearScore app and confirm which paid plans are active on your account.
• Check your bank or mobile money statements for the exact amount you're being charged and when the next renewal is due.
• Write down today's date and the date of your last charge.
• Take a screenshot of the "Protect" section showing all active subscriptions.
• Note any promotional offers ClearScore is showing you to stay (you don't have to accept them).
• Decide whether you want to keep your free ClearScore account or delete it entirely (these are separate actions).

During cancellation

• If cancelling in-app, read every prompt carefully and don't skip any steps.
• Screenshot the final confirmation screen before closing the app.
• Check your email (including spam) for a confirmation from ClearScore within 24 hours.
• Create a folder or document to save all cancellation evidence.
• Note the exact date and time you completed the cancellation.

After cancellation

• Wait 24-48 hours and log back into the app to confirm your subscription status has changed to "Cancelled."
• Monitor your bank account or mobile money app for 30 days to ensure no further charges appear.
• Keep all cancellation confirmations and screenshots for at least one year.
• If any unauthorized charges appear after cancellation, contact your bank immediately and report the issue to ClearScore in writing.
• Document your report to ClearScore (date, method, and any response you receive).

Contact information for ClearScore support and escalation

You now know how to cancel, but here's how to reach ClearScore if your cancellation doesn't process or if you need to escalate.

ClearScore customer support channels

Email your cancellation request or complaints to help@clearscore.com. This is the primary contact method for Nigerian users and typically receives responses within 5-7 working days during normal business hours. Include your full account details, a clear statement of what you need, and any supporting screenshots or evidence.

In-app help is also available through the ClearScore app itself-tap the "Help" or support icon, and you can submit a ticket. This method is slower than email but creates an official record within ClearScore's system.

Escalation to nigerian consumer authorities

If ClearScore does not respond to your cancellation request within 10 working days, does not process your cancellation, or continues charging you after you've cancelled, file a formal complaint with the Federal Competition and Consumer Protection Commission (FCCPC). The FCCPC investigates complaints against companies that breach consumer rights and has the authority to order refunds and penalties.

Pro tip: Include copies of all your cancellation requests, ClearScore's responses (or lack thereof), and bank statements proving unauthorized charges in your FCCPC complaint.

Other escalation options

Your bank or mobile money provider can also help stop unauthorized charges. Contact your financial institution's fraud or disputes team and report ClearScore as an unauthorized merchant. Ask them to investigate a potential chargeback-this puts formal pressure on ClearScore to resolve the issue or lose payment processing access.

You can also dispute the charge directly through your mobile money app (if you use services like MTN Mobile Money, Airtel Money, or others). They have dispute resolution teams that can investigate and potentially reverse charges on your behalf.

Final thoughts: taking control of your subscriptions

Cancelling a paid subscription should never be difficult or confusing, yet many companies-including some financial platforms-make the process deliberately opaque. ClearScore is relatively straightforward to cancel compared to some competitors, but as you've learned, knowing your rights and following the correct steps matters enormously.

You now have multiple ways to cancel (in-app, email, or post), you understand exactly what happens to your account and data, you know when you're entitled to a refund, and you know how to escalate if ClearScore fails to cooperate. Stopee has helped thousands of consumers cancel unwanted subscriptions and recover money they were wrongly charged-and you have the same rights and tools at your disposal.

If your cancellation doesn't go smoothly, don't accept "no refund" as a final answer. Document everything, escalate to the FCCPC if needed, and assert your consumer rights. Stopee stands with you in demanding clarity, fair treatment, and respect from every company asking for your money-including ClearScore.

Ready to take action? Log into your ClearScore app right now and navigate to the "Protect" section. If you see a paid subscription you no longer want, follow the in-app cancellation steps in this guide, screenshot your confirmation, and save it. Then monitor your next billing cycle to confirm the charges stop. Stopee is here whenever you need guidance on cancelling any subscription-visit Stopee.com to explore guides for thousands of other services, from streaming platforms to insurance policies. Your money, your choice, your control.